Car / Truck Loans
We can help finance your next vehicle
Pittsford Federal Credit Union offers competitive, simple rates with fast and easy approvals. Whether you are looking to purchase a new car or truck, buy-out your current lease or refinance your vehicle loan from another institution, we can help. We offer 100% financing for New/Used Auto loans.
Compare your vehicle financing options
Buying a new or used car or truck, is an important decision. Researching and planning first can save you money and help you enjoy your investment. Pittsford Federal Credit Union offers conventional financing and FlexLoan financing for qualifying vehicles. Conventional financing works well for individuals who typically pay off their vehicle in full. FlexLoan financing is a great option for those who enjoy leasing, often trade their vehicle while still financed or are simply looking for a lower loan payment.
Traditional Auto Loan From Pittsford FCU | FlexLoan Program From Pittsford FCU | Finance or Lease From Dealer |
|
|---|---|---|---|
Eligible Vehicles | New or Used Vehicles Dealership or Private Party | Most New or Used Vehicles Dealership or Private Party (up to five years old, mileage restrictions may apply) | New Vehicles only Dealership only |
Financing Terms | 12-84 Months | 24-72 Months Loan can be paid off at any time without penalty | Typically 24-36 Months Early Termination Fees may apply |
Vehicle Ownership | Vehicle is titled in your name | Vehicle is titled in your name | Vehicle is titled to the Leasing Company |
Mileage Restrictions | Unlimited Excess Mileage Fee: NA | 7,500 - 18,000 miles per year Excess Mileage Fee: $0.10 per mile | Typically 10,000-15,000 miles per year Excess Mileage Fee: Often up to $0.25 (or higher) |
At Loan Maturity | You own the vehicle in full | Option to Sell, Trade, Refinance or Payoff at any time. At the end of the term if you still have the vehicle, you can keep it and refinance the loan; keep it and simply pay the remaining balance; or simply walk away. The walk away option is subject to a disposition fee of $195, any excess-mileage fees and any excess wear and tear charges. | Purchase vehicle from Leasing Company. Return vehicle at end of Lease. Returning the vehicle is subject to a disposition fee, any excess-mileage fees and any excess wear and tear charges. |
Next Steps | Consult your Dealer for Lease options |
Rates
| Auto | Loan Terms | Annual Percentage Rate |
|---|---|---|
| New & Used | Up to 36 months | 5.00% |
| New & Used | Up to 60 months | 5.00% |
| New & Used | Up to 72 months | 5.25% |
| New Only | Up to 84 months | 6.25% |
AutoPay
Available AutoPay options:
- Pay the minimum payment due
- Pay an amount you choose (above the minimum payment amount)
There are three AutoPay methods to choose from:
- Internet Banking scheduled transfer – setup and managed by you:
- Transfers occur before 9:00 AM on the date scheduled.
- Internal Transfer set up by Pittsford FCU – Contact [email protected] to add, edit or delete
- If the funds are not available at the time of transfer our system will attempt to transfer daily until the transfer is complete.
- A Direct Debit from an external savings or checking account – Contact [email protected] for a Direct Debit form